How Much Is Flood Insurance in Louisiana?
The average cost per policy in Louisiana through the NFIP is $1,157.99. Depending on where you live, this average could vary substantially. If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
City | Average Cost per Policy |
|---|---|
New Orleans | $1,105.58 |
Baton Rouge | $701.75 |
Shreveport | $891.90 |
Metairie (Jefferson Parish) | $1,191.48 |
Lafayette | $1,046.20 |
Lake Charles | $1,521.76 |
Kenner | $1,133.95 |
Bossier City | $563.61 |
Monroe | $658.99 |
Alexandria | $641.03 |
NFIP Average Prices as of April 30th, 2025.
Our Private Flood Insurance Prices Are Often Lower!
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
Easily compare rates from top-rated private flood insurance carriers with an NFIP quote. We offer both! Quote online to compare prices and save money on flood insurance.
Does My Homeowners Insurance Cover Flooding?
Standard homeowners insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!
Do I Need Flood Insurance in Louisiana?
Flooding is a major concern throughout Louisiana—even for properties that aren’t located near a lake, bayou, or the Gulf Coast. The state faces frequent threats from hurricanes, tropical storms, heavy rainfall, and storm surge, especially during hurricane season. Low-lying terrain and a high water table make Louisiana particularly vulnerable to both flash flooding and prolonged water accumulation. Communities across the state—from New Orleans and Baton Rouge to Lake Charles and Lafayette—have all experienced significant flood damage in recent years. To better understand your specific flood risk, use our FEMA Flood Zone Map lookup tool.
If you're looking to protect your home from the most common and costly natural disaster, the first step is getting a flood insurance quote. Click below to get started instantly!
Why Is Private Flood Insurance Less Common in Louisiana?
Although Louisiana is one of the most flood-prone states in the country, many homeowners discover that private flood insurance options are more limited than expected. Several unique challenges contribute to this issue.
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High Flood Exposure: From hurricanes to heavy rainfall and rising sea levels, Louisiana faces a wide range of flood risks. Coastal and low-lying areas—especially around New Orleans, Baton Rouge, and Lake Charles—are particularly vulnerable. Because of the frequency and severity of flood events, many private insurers view Louisiana as a high-risk market.
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Cost and Affordability Barriers: Flood insurance premiums in Louisiana can be high, especially under FEMA’s Risk Rating 2.0, which adjusts rates based on a property's individual flood risk. In some parishes, insurance costs can become a financial burden, discouraging widespread adoption and making the market less attractive to private carriers.
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Longstanding NFIP Dominance: Flood insurance premiums in Louisiana can be high, especially under FEMA’s Risk Rating 2.0, which adjusts rates based on a property's individual flood risk. In some parishes, insurance costs can become a financial burden, discouraging widespread adoption and making the market less attractive to private carriers. Fortunately, in certain areas, we do have some options for you to compare an NFIP rate to.
How to Get Flood Insurance Without a Flood Elevation Certificate
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
How Much Could Flood Damage to Your Home Cost You in Louisiana?
Flood damage can be emotionally and financially devastating, especially if you don’t have flood insurance. Use the FEMA tool to see how much even an inch of water could cost you. Flood insurance can help you recover quickly. The cost of a claim can be expensive. Most are financially devastated after experiencing a flood if they don't have coverage.
Get an Instant Flood Insurance Quote Online today!
Our quick quote tool compares rates from multiple private carriers as well as the NFIP, looking for the best coverage at the lowest price.
Flood Insurance Pricing Changes in Louisiana
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
As a result, most policyholders in Louisiana have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why Did the NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and toward assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, and heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare the NFIP and Private Flood Insurance Premiums Online
At FloodPrice, you can compare the NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
Need help from a Flood Expert? Call us at 866-503-5663 for personalized assistance.
